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Determinants of Umrah Pilgrims’ Satisfaction: The Mediating Role of Trust Yanti, Juli Darma; Fitri, Anisa Tul; Mustika, Ruri; Novia, Aidil; Wira, Ahmad
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i1.7106

Abstract

This study aims to examine the effect of service quality, price perception, experiential marketing on Umrah pilgrims' satisfaction with trust as a mediating variable. The research method used is quantitative with data analysis techniques using SEM (Structual Equation Model) with Smart-PLS. The results of this study reveal that only one direct effect is positive and significant, namely: Service quality has a positive but insignificant effect on Umrah pilgrims' satisfaction, perceived price has a negative and insignificant effect on Umrah pilgrims' satisfaction, Experiential marketing has a positive but insignificant effect on Umrah pilgrims' satisfaction, trust has a positive and significant effect on Umrah pilgrims' satisfaction, service quality has a positive but insignificant effect on Umrah pilgrims' trust, price perception has a positive but insignificant effect on the trust of Umrah pilgrims, experiential marketing has a negative and insignificant effect on trust, service quality through trust has a positive and insignificant effect on the satisfaction of Umrah pilgrims, price perception through trust has a positive and insignificant effect on the satisfaction of Umrah pilgrims, and experiential marketing through trust have a positive and insignificant effect on Umrah pilgrims' satisfaction. Keywords: Service Quality; Price Perception; Experiential Marketing; Satisfaction dan Trust. Keywords: Service Quality; Price Perception; Experiential Marketing; Satisfaction dan Trust.
Digital Readiness of Zakat Management Organization in West Sumatera Putra, Gusti Dirga Alfakhri; Wira, Ahmad; Novia, Aidil
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 15 No. 2 (2023)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v15i2.35504

Abstract

Abstract. This study evaluates the digital readiness of private and community-owned zakat management organizations in West Sumatra. The research uses the digital readiness index developed by the National Amil Zakat Agency and the Department of Sharia Economics of Bank Indonesia. A quantitative approach and a multi-stage weighted index calculation method are utilized. The sample consists of eight private zakat management organizations in West Sumatra with operational permits from the Regional Office of the Ministry of Religious Affairs. The results indicate that the overall digital readiness of zakat management organizations in West Sumatra is very good. The collection dimension shows a high level of digitalization readiness, while the distribution, utilization, and reporting dimensions also received a very good rating. Six of the eight institutions fall into the very good category when evaluated individually, while the remaining two are classified as good. With these results, zakat management can be optimized in various aspects. Abstrak. Penelitian ini mengkaji kesiapan digital organisasi pengelola zakat swasta di Sumatera Barat, dengan menggunakan indeks kesiapan digital yang dikembangkan oleh Badan Amil Zakat Nasional dan Departemen Ekonomi Syariah Bank Indonesia. Pendekatan kuantitatif digunakan bersama dengan multi-stage weighted index calculation. Sampel terdiri dari delapan organisasi pengelola zakat swasta di Sumatera Barat yang memiliki izin operasional dariKantor Wilayah Kementerian Agama. Hasil penelitian menunjukkan bahwa secara keseluruhan kesiapan digital organisasi pengelola zakat di Sumatera Barat sangat baik. Dimensi pengumpulan menunjukkan tingkat kesiapan digitalisasiyang tinggi. Sementara dimensi pendistribusian, pendayagunaan, dan pelaporan juga berada pada level sangat baik. Enam dari delapan lembaga masuk dalam kategori sangat baik jika dievaluasi secara individual, sedangkan dua sisanyatergolong baik. Dengan hasil tersebut, pengelolaan zakat dapat dioptimalkan pada berbagai aspek.
Kualitas Laporan Keuangan Zakat: Literature Review Study Aryuna, Wemi; Novia, Aidil; Pratiwi, Maisya
EL MUHASABA: Jurnal Akuntansi (e-Journal) Vol 17, No 1 (2026): EL MUHASABA
Publisher : Jurusan Akuntansi Fakultas Ekonomi Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/em.v17i1.31979

Abstract

Purpose: This study aims to conduct a literature review study on the quality of zakat financial reports (KLK) at BAZNAS and LAZ in Indonesia. Method: This study used 30 journal articles published in the Google Scholar database indexed by SINTA 1-4 and Google Scholar, articles were selected through inclusion and exclusion criteria using the PRISMA flow diagram. Results: This study found that most of the research on KLK zakat discussed the factors that influence KLK zakat, the most widely used method is quantitative with a descriptive approach, the theory that is often used is stewardship theory, with the most widely studied variable being internal control. Implications: This study shows that there are 12 factors that influence KLK that can be considered by BAZNAS/LAZ to improve the KLK produced. Currently, it is found that research studies on KLK zakat are still very limited. Novelty: This study provides significant contributions through a literature study approach, which integrates findings from previous studies to provide more comprehensive and in-depth information. In addition, this study also fills the research gap by applying literature studies in the context of the quality of zakat financial reports, which has never been done before.
Islamic Investment among Entrepreneurs: the Impact of Financial Literacy, Religiosity, and Risk Profile, With Technology as Moderating Variable Syah, Hadie Bandarian; Hulwati, Hulwati; Novia, Aidil; Putri, Trinitaria Marlis
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 9 No. 2 (2025): December 2025
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v9i2.9871

Abstract

The low level of entrepreneurial participation in Islamic investment, despite the promising growth of the Islamic finance industry, serves as the main motivation for this study. This research aims to analyze the influence of financial literacy, religiosity, and risk profile on Islamic investment decisions, with technology as a moderating variable, among entrepreneurs in Padang City. A quantitative approach with descriptive and associative design was employed. Data were collected through questionnaires distributed to 100 Muslim entrepreneurs in Padang who owned at least one type of Islamic investment. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS software. The findings reveal that financial literacy, religiosity, and risk profile have a significant positive effect on Islamic investment decisions. Technology was found to play a significant moderating role by strengthening the relationship between the independent variables and investment decisions. This study addresses a research gap by highlighting technology as a rarely discussed factor and positioning entrepreneurs as research objects based on the assumption that they possess greater investment capacity. Practically, the study provides insights for Islamic finance practitioners to continuously innovate and develop marketing strategies through technology. Academically, this research enriches the literature on Islamic finance by integrating it with social behavior and technological perspectives. Tingkat partisipasi kewirausahaan yang rendah dalam investasi syariah, meskipun industri keuangan syariah menunjukkan pertumbuhan yang menjanjikan, menjadi motivasi utama penelitian ini. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, keagamaan, dan profil risiko terhadap keputusan investasi syariah, dengan teknologi sebagai variabel moderator, di kalangan wirausahawan di Kota Padang. Pendekatan kuantitatif dengan desain deskriptif dan asosiatif digunakan. Data dikumpulkan melalui kuesioner yang dibagikan kepada 100 wirausaha Muslim di Padang yang memiliki setidaknya satu jenis investasi syariah. Data dianalisis menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM) dengan perangkat lunak SmartPLS. Temuan menunjukkan bahwa literasi keuangan, keagamaan, dan profil risiko memiliki pengaruh positif yang signifikan terhadap keputusan investasi syariah. Teknologi ditemukan memainkan peran moderasi yang signifikan dengan memperkuat hubungan antara variabel independen dan keputusan investasi. Studi ini mengisi celah penelitian dengan menyoroti teknologi sebagai faktor yang jarang dibahas dan menempatkan wirausaha sebagai objek penelitian berdasarkan asumsi bahwa mereka memiliki kapasitas investasi yang lebih besar. Secara praktis, studi ini memberikan wawasan bagi praktisi keuangan Islam untuk terus berinovasi dan mengembangkan strategi pemasaran melalui teknologi. Secara akademis, penelitian ini memperkaya literatur keuangan Islam dengan mengintegrasikannya dengan perspektif perilaku sosial dan teknologi.
Pengaruh Transparansi dan Akuntabilitas terhadap Kinerja Pengelola Zakat dengan Jenis Lembaga Sebagai Moderasi Safitri, Denta; Erdiansah, Alim; Novia, Aidil; Hulwati, Hulwati
Ekonomis: Journal of Economics and Business Vol 10, No 1 (2026): Maret
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v10i1.2585

Abstract

The purpose of this study was to examine how transparency and accountability affect the performance of zakat managers with the type of institution as a moderating variable. The population in this study were muzaki at Baznas Padang City and Lazismu Padang City. The sample size used Hair's formula which resulted in a sample size of 200. The sampling technique used purposive sampling and the analysis technique used SEM (Structural Equation Model) with Smart-PLS. The results of this study indicate that there is one direct effect test whose results are positive and significant, namely: Transparency has a positive and significant effect on Zakat Management Performance, while Accountability has a positive but insignificant effect on Zakat Management Performance. The results of the influence test with moderating variables show that the Type of Institution strengthens the relationship between Transparency and Zakat Management Performance but is not significant.
Pengaruh Likuiditas, Leverage, Rasio Aktivitas, dan Good Corporate Governance Terhadap Financial Distress Perusahaan Industri dan Bahan Kimia pada Indeks Saham Syariah Indonesia Wahyudi Illahi, Trisno; Novia, Aidil; Ayu, Sandra; Gusma Putra, Defriko
Jurnal Salingka Nagari Vol. 4 No. 2 (2025): Jurnal Salingka Nagari
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research aims to examine how Liquidity, Leverage, Activity Ratio, and Good Corporate Governance Influence Financial Distress among basic industrial and chemical companies listed on the Indonesian Sharia Stock Index (ISSI) during the 2020–2024 period. Financial distress refers to a severe financial condition in which a company faces difficulties in fulfilling its obligations, including the payment of debts, interest, and operational costs. In this study, financial distress is assessed using the Springate model, where a score below 0.862 indicates that a company is experiencing distress. The study adopts a quantitative method and relies on secondary data. From a total population of 67 companies, 54 firms were selected as the final sample after the outlier screening process. The sampling method applied is purposive sampling, and the data are analyzed using panel data regression with EViews 12 software. The findings reveal that liquidity has a negative and statistically significant impact on financial distress, while leverage shows a positive and significant effect. The activity ratio is found to have a negative and significant influence, whereas Good Corporate Governance demonstrates a positive but statistically insignificant effect. Simultaneously, all four independent variables significantly affect financial distress. These results highlight the crucial role of maintaining adequate liquidity, managing debt levels, improving operational efficiency, and strengthening corporate governance practices to reduce the risk of financial distress